When a hurricane, tropical storm, or severe thunderstorm strikes Savannah, the aftermath can be overwhelming. Knowing exactly what to do in the critical hours and days following storm damage can mean the difference between a smooth insurance claim and a nightmare of denied coverage and unexpected expenses. This guide walks Savannah homeowners through every step of the process.
Immediate Actions: First 24 Hours After the Storm
What you do immediately after a storm can significantly impact your ability to get your claim approved and minimize further damage to your home.
Safety First!
Never climb on your roof during or immediately after a storm. Wet, damaged roofs are extremely dangerous. Wait until conditions are completely dry and safe, or better yet, let professionals handle the inspection.
1 Document Everything BEFORE You Clean Up
Take photos and videos of all visible damage from the ground—broken windows, fallen limbs, torn screens, and roof damage. Don't move anything yet. Insurance adjusters need to see the "as is" condition.
2 Call Your Insurance Company
Report the damage as soon as safely possible. Most policies have time limits for reporting storm damage. Get your claim number and ask about emergency provisions for tarping.
3 Prevent Further Damage
If you have active leaks, water is entering your home. Professional tarping services can prevent thousands in additional interior damage. Emergency roof tarping is available 24/7.
4 Keep All Receipts
Every expense related to the storm—tarps, labor, temporary housing, food (if displaced—keep receipts!). These are all potentially reimbursable items under your policy.
How to Document Roof Storm Damage
Thorough documentation is the foundation of a successful insurance claim. Here's exactly what to photograph:
Exterior Photos
- • Full view of all roof sides
- • Close-ups of visible damage
- • Missing or damaged shingles
- • Dented gutters and downspouts
- • Damage to vents and flashing
- • Fallen trees or branches
- • Hail dents on metal surfaces
Interior Photos
- • Water stains on ceilings
- • Leaks or drips in progress
- • Wet or damaged drywall
- • Wet insulation in attic
- • Personal property damage
- • Any compromised structural elements
Types of Storm Damage in Savannah
Understanding what kind of damage occurred helps you communicate with your insurer and contractor:
Hurricane Wind Damage
Category 1+ hurricanes bring 74+ mph winds that can completely remove shingles, tear off flashing, and even damage roof decking. Don't assume "minor" visible damage means the structure is intact—underlying damage is common.
Coverage: Almost always covered under standard homeowner's policies
Hail Damage
Hail creates dents, bruises, and pits in shingles and metal. It damages gutters, HVAC units, and windows. Often hailed as "cosmetic" by insurers, hail damage still accelerates roof aging and should be documented thoroughly.
Coverage: Usually covered, but insurers often try to minimize hail claims
Falling Debris / Trees
Fallen trees and large branches create obvious puncture wounds. Even if the tree is yours, damage from neighbors' trees or common-area trees is often covered. Structural damage from trees is serious—evacuate if structural integrity is compromised.
Coverage: Covered under most policies, may involve additional coverage type
Tornado Damage
While less common than hurricane damage, Savannah area tornadoes cause catastrophic, localized destruction. Often involves complete roof removal, structural failure, and widespread debris.
Coverage: Always covered; typically declared a federal disaster
Working with Your Insurance Company
Navigate the insurance process with these proven strategies:
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1
Don't Accept the First Adjuster's Estimate
Insurance adjusters often underestimate damage. Always get at least one independent inspection before accepting a settlement.
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2
Get Your Own Contractor
The insurance company's contractor works for them. Hire your own Savannah roofing contractor to provide a competing estimate.
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3
Request a Re-Inspection if Needed
If you disagree with the settlement, request a re-inspection and provide your contractor's estimate as documentation.
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4
Know Your Rights
Georgia policyholders have the right to choose their own contractor. The insurer cannot force you to use a specific roofer.
The Claims Process Timeline
Here's what to expect after filing your storm damage claim:
| Timeline | Step | Your Action |
|---|---|---|
| Day 1-3 | Claim filed, adjuster assigned | Gather documentation, get contractor estimates |
| Day 3-7 | Initial adjuster inspection | Be present, point out all damage |
| Day 7-14 | Estimate received | Review line items, get contractor comparison |
| Day 14-21 | Claim finalized | Negotiate if needed, authorize repairs |
| During Repairs | Work begins | Coordinate with contractor, document progress |
Why Work with a Savannah Storm Damage Specialist?
Not all roofing contractors understand insurance claims. Here's why choosing a storm damage specialist matters:
Xactimate Certified
Industry-standard estimating software ensures accurate pricing
Insurance Direct Billing
We can work directly with your insurer to simplify the process
Appeals Experience
We know how to fight denied or underpaid claims
Need Help With Your Storm Damage Claim?
We offer free damage inspections and can help you navigate the insurance claims process. No upfront costs—we work with your insurance company directly.